How do Hail Damage Insurance Claims Work?

This storm season is already packing a big punch! Our teams in Colorado and Texas are hard at work helping property owners repair damaged roofs and begin the process of filing hail damage insurance claims. With more than 15 years of experience in the residential and commercial roofing industry, we have helped thousands of property owners through this process. If your roof has recently sustained hail damage, now is the time to act. Have questions? We have answers!

Check out this guide to hail damage insurance claims and rest easy. By taking a few simple steps, you can protect your property and walk through the insurance claims process like a pro.

After the Storm

Note the time and date that the storm hit your property. Immediately after the storm, make sure it is safe to go outdoors. Listen to your local news to ensure thestorm threat has passed and make sure you do not see signs of downed trees or power lines. One you have determined that it is safe to step outside, you will need to survey the damage. Take pictures with a digital camera or cell phone, ensuring that you accurately document the extent of the destruction.

Photograph

Hail stones covering your yard
Several sizes of hail stones next to a tape measure
Obvious damage to property, including shingles, siding and windows
Signs of water damage inside your home

Only venture onto your roof if you feel it is safe. You should be able to check for damage and take photos from a ladder, without the need to get onto your roof. If you suspect that your roof has sustained damage, it is best to call a professional for further inspection.

Schedule Your Roofing Inspection

Before reaching out to your insurance provider, contact a reputable roofing company in your area and request an inspection. An experienced professional will be able to tell you just how much damage your roof sustained and advise you as to whether you should file an insurance claim.

Make sure you are home during your inspection to ask questions. If the roofing contractor suggests repairs or replacement, they should be able to explain their reasoning and show you physical signs of damage. Do not make any decisions at this time, if you are asked to sign anything, do not! You will need to first contact your insurance company.

Filing Hail Damage Insurance Claims

If you decide that you would like to move forward with filing a hail damage insurance claim, you will need to have information readily available when you contact your carrier.

Be Prepared to Provide

Homeowner’s insurance policy number
Date and time of damage
Size of hail stones
Pictures & video of damage

Once your hail damage insurance claim has been filed, you will be given a claim number and assigned a claims examiner as well as an adjuster. The adjuster will set an appointment to visit your home and assess the damage. If you would like to work with the roofing contractor you have already contacted, it is a good idea to arrange for the contractor and your adjustor look at the damage together. Once the inspection is complete, your adjustor will complete a report and deliver their findings to your examiner. The examiner will then review the findings and get back to you will the final results of your claim.

Schedule Your Free Roof Inspection Today!

At Elite Roofing we are prepared to work with you through every step of the hail damage insurance claim process, from the initial inspection to interfacing with the insurance company on your behalf. We will make the entire process as simple and stress-free as possible. If you suspect that your roof has sustained damage in recent storm activity, contact us today to schedule your free inspection!

If you would like to learn more about the care and protection of your roof, be sure and follow our blog. As your premiere Denver roofing contractors, we are here to educate and inform! While you’re here, don’t miss these recent posts:

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